The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
Estimated average burden
hours per response: 23.8
COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M CO COM 88579Y101 3,314 23,387 SH   SOLE 18,268 0 5,119
3M CO COM 88579Y101 45 320 SH   DFND 0 320 0
ALTRIA GROUP INC COM 02209S103 71 1,536 SH   DFND 0 1,536 0
ALTRIA GROUP INC COM 02209S103 213 4,640 SH   SOLE 4,340 0 300
APACHE CORP COM 037411105 233 2,484 SH   SOLE 2,334 0 150
APPLE INC COM 037833100 20 203 SH   DFND 0 203 0
APPLE INC COM 037833100 6,064 60,191 SH   SOLE 56,465 0 3,726
AT&T INC COM 00206R102 43 1,210 SH   DFND 0 1,210 0
AT&T INC COM 00206R102 384 10,909 SH   SOLE 8,763 0 2,146
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 770 5,574 SH   SOLE 3,309 0 2,265
CATERPILLAR INC DEL COM 149123101 6 62 SH   DFND 0 62 0
CATERPILLAR INC DEL COM 149123101 419 4,227 SH   SOLE 4,227 0 0
CHEVRON CORP NEW COM 166764100 341 2,857 SH   SOLE 2,591 0 266
CHEVRON CORP NEW COM 166764100 84 705 SH   DFND 0 705 0
CISCO SYS INC COM 17275R102 47 1,875 SH   DFND 0 1,875 0
CISCO SYS INC COM 17275R102 168 6,692 SH   SOLE 5,043 0 1,649
CONOCOPHILLIPS COM 20825C104 63 821 SH   DFND 0 821 0
CONOCOPHILLIPS COM 20825C104 210 2,740 SH   SOLE 1,840 0 900
EMERSON ELEC CO COM 291011104 5 84 SH   DFND 0 84 0
EMERSON ELEC CO COM 291011104 266 4,243 SH   SOLE 4,190 0 53
EXPRESS SCRIPTS HLDG CO COM 30219G108 250 3,533 SH   SOLE 3,258 0 275
EXPRESS SCRIPTS HLDG CO COM 30219G108 50 713 SH   DFND 0 713 0
EXXON MOBIL CORP COM 30231G102 980 10,425 SH   SOLE 9,255 0 1,170
EXXON MOBIL CORP COM 30231G102 9 100 SH   DFND 0 100 0
FACEBOOK INC CL A 30303M102 206 2,600 SH   SOLE 2,500 0 100
FIRST TR MORNINGSTAR DIV LEA SHS 336917109 742 31,695 SH   SOLE 29,490 0 2,205
GENERAL ELECTRIC CO COM 369604103 52 2,020 SH   DFND 0 2,020 0
GENERAL ELECTRIC CO COM 369604103 497 19,380 SH   SOLE 16,630 0 2,750
GENERAL MLS INC COM 370334104 285 5,641 SH   SOLE 5,641 0 0
GILEAD SCIENCES INC COM 375558103 77 725 SH   DFND 0 725 0
GILEAD SCIENCES INC COM 375558103 314 2,950 SH   SOLE 2,950 0 0
GOOGLE INC CL A 38259P508 595 1,011 SH   SOLE 241 0 770
GOOGLE INC CL A 38259P508 12 20 SH   DFND 0 20 0
GOOGLE INC CL C 38259P706 33 57 SH   DFND 0 57 0
GOOGLE INC CL C 38259P706 497 861 SH   SOLE 241 0 620
HOME DEPOT INC COM 437076102 6 62 SH   DFND 0 62 0
HOME DEPOT INC COM 437076102 444 4,845 SH   SOLE 4,845 0 0
INNODATA INC COM NEW 457642205 35 11,500 SH   SOLE 11,500 0 0
INTEL CORP COM 458140100 60 1,736 SH   DFND 0 1,736 0
INTEL CORP COM 458140100 329 9,451 SH   SOLE 9,012 0 439
INTERNATIONAL BUSINESS MACHS COM 459200101 776 4,090 SH   SOLE 3,562 0 528
ISHARES TR CORE S&P500 ETF 464287200 274 1,383 SH   SOLE 1,383 0 0
ISHARES TR GLOBAL ENERG ETF 464287341 391 8,928 SH   SOLE 8,278 0 650
ISHARES TR MSCI EMG MKT ETF 464287234 356 8,566 SH   SOLE 8,566 0 0
JOHNSON & JOHNSON COM 478160104 614 5,763 SH   SOLE 4,696 0 1,067
JOHNSON & JOHNSON COM 478160104 62 580 SH   DFND 0 580 0
JPMORGAN CHASE & CO ALERIAN ML ETN 46625H365 14,525 273,641 SH   SOLE 245,179 0 28,462
JPMORGAN CHASE & CO COM 46625H100 119 1,969 SH   DFND 0 1,969 0
JPMORGAN CHASE & CO COM 46625H100 106 1,762 SH   SOLE 1,420 0 342
KAYNE ANDERSON MLP INVT CO COM 486606106 13,085 320,385 SH   SOLE 293,241 0 27,144
LENNOX INTL INC COM 526107107 769 10,000 SH   SOLE 10,000 0 0
MCDONALDS CORP COM 580135101 3 27 SH   DFND 0 27 0
MCDONALDS CORP COM 580135101 301 3,173 SH   SOLE 2,873 0 300
MEDTRONIC INC COM 585055106 840 13,566 SH   SOLE 10,056 0 3,510
MERCK & CO INC NEW COM 58933Y105 71 1,198 SH   DFND 0 1,198 0
MERCK & CO INC NEW COM 58933Y105 254 4,280 SH   SOLE 3,210 0 1,070
MICROSOFT CORP COM 594918104 552 11,916 SH   SOLE 9,381 0 2,535
MICROSOFT CORP COM 594918104 71 1,525 SH   DFND 0 1,525 0
ORACLE CORP COM 68389X105 207 5,406 SH   SOLE 5,313 0 93
PEPSICO INC COM 713448108 5 53 SH   DFND 0 53 0
PEPSICO INC COM 713448108 247 2,648 SH   SOLE 2,298 0 350
PFIZER INC COM 717081103 35 1,170 SH   DFND 0 1,170 0
PFIZER INC COM 717081103 567 19,190 SH   SOLE 18,059 0 1,131
PHILIP MORRIS INTL INC COM 718172109 44 530 SH   DFND 0 530 0
PHILIP MORRIS INTL INC COM 718172109 238 2,850 SH   SOLE 2,506 0 344
PROCTER & GAMBLE CO COM 742718109 580 6,922 SH   SOLE 6,922 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 10,751 346,578 SH   SOLE 317,086 0 29,492
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848 690 19,680 SH   SOLE 16,545 0 3,135
SPDR S&P 500 ETF TR TR UNIT 78462F103 13,519 68,615 SH   SOLE 62,063 0 6,552
SPDR SERIES TRUST S&P REGL BKG 78464A698 1,045 27,590 SH   SOLE 27,590 0 0
ST JUDE MED INC COM 790849103 7 115 SH   DFND 0 115 0
ST JUDE MED INC COM 790849103 354 5,895 SH   SOLE 5,895 0 0
TARGET CORP COM 87612E106 32 506 SH   DFND 0 506 0
TARGET CORP COM 87612E106 661 10,548 SH   SOLE 10,095 0 453
TRAVELERS COMPANIES INC COM 89417E109 52 550 SH   DFND 0 550 0
TRAVELERS COMPANIES INC COM 89417E109 246 2,615 SH   SOLE 2,606 0 9
UNITED PARCEL SERVICE INC CL B 911312106 374 3,800 SH   SOLE 3,200 0 600
UNITEDHEALTH GROUP INC COM 91324P102 489 5,674 SH   SOLE 3,596 0 2,078
US BANCORP DEL COM NEW 902973304 286 6,845 SH   SOLE 5,897 0 948
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 27,175 339,397 SH   SOLE 308,556 0 30,841
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 7,550 153,328 SH   SOLE 142,408 0 10,920
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 17,490 419,316 SH   SOLE 383,076 0 36,239
VERIZON COMMUNICATIONS INC COM 92343V104 10 198 SH   DFND 0 198 0
VERIZON COMMUNICATIONS INC COM 92343V104 258 5,170 SH   SOLE 4,877 0 293
WELLS FARGO & CO NEW COM 949746101 13 244 SH   DFND 0 244 0
WELLS FARGO & CO NEW COM 949746101 1,019 19,646 SH   SOLE 19,314 0 332
XCEL ENERGY INC COM 98389B100 233 7,666 SH   SOLE 6,923 0 743
XCEL ENERGY INC COM 98389B100 3 100 SH   DFND 0 100 0